If you are like the rest of us then just a few days ago you made a list of New Year resolutions.   Many of us however do not stick to our plan when it comes to these promises we make ourselves.  If you plan to purchase a home sometime in this New Year you need to make a few related resolutions that will likely help you to attain your goal and dream of home ownership.  Below these resolutions are listed for you.

1. Stop opening credit cards.  It is easy these days especially when you are shopping, to open one credit card after the other.  If buying a home is on your to do list this year however, you need to steer clear of opening new credit cards.
2. Start paying your student loans on time every time. Many times when folks get student loans they tend to think they can pay them as they can but that can mess up your credit in no time.  If someone who has good credit and shows they are good at paying bills on time every time puts a bid in on a house you have your eye on and you put a bid on that house as well, it’s likely due to their history that they will win the bid and not you.
3. Start paying your credit cards every month and on time. Even if you can’t afford to pay more than just the minimum payment you need to make sure you pay your credit card each and every month.   This type of diligence will serve you well when you go to make an offer on a house.
4. Make sure you have a little bit of a cash reserve in your bank account at all times. It won’t look good to a mortgage lender when you ask for a loan if you have a zero balance in your bank account.
5. Stick with the same job for as long as you can. Jumping from one job to another during a year is a sure fire way to lose your chance at the home of your dreams.  Lenders want to see stability and staying with the same job for a few years will show them that.

These New Year resolutions, if you do your best to keep them, will do their part towards helping you to purchase the home you have always dreamed about.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

During the last week of December, many Americans started making resolutions for the new year ahead.  Quitting smoking and losing weight always top the list, and other promises people make to themselves are saving money, taking time to relax, or reading 100 books. Well, if you’ve gotten a little slack already, help is on the way, thanks to our smartphones!

• If you’re tracking your general health, sleep, and how many steps you’re taking daily, use your Health iPhone app, or Google Fit on Android devices.
• Healthier eating is a popular goal, and My Fitness Pal and Lose It! help you count calories, and users can even scan products on store shelves for nutritional information.
• HelloTalk, Duolingo, and TripLingo are great apps for those who desire to learn a foreign language.
• Drinking more water should be at the top of everyone’s list, and there are apps that offer push notifications to remind you to down a full glass at different times of the day, and even keep track of your water intake. There are plenty of choices available for iOs and Android.
• Did you vow to become better organized in your business? Inc.com has several app suggestions to help you organize your schedules, notes, and reminders.
• Staying motivated and encouraged can be tough, but there’s an app (several, actually) for that! Use your phone’s app store button to find the one that’s right for you, from daily inspirational quotes to encouraging you to meet your daily goals.
• Smartphones can be amazing tools, but a distraction as well. If you planned to get better at time management, try Forest ($1.99).  Open the app, and a seed is planted.  Leave it open throughout the day and watch a tree grow and thrive while you stay on track.  Open a social media app or game, and the tree dies.  A bit drastic, but a fun way to help you finish a task.
• You’ve been skipping your book club meetings because, lately, there just doesn’t seem to be enough time to read. Bookling offers an app that will motivate you to read every day, and will encourage the kids, as well!
• Breaking any habit, whether it be smoking, nail-biting, or overspending, can be hard, to say the least. Strides Goals and Habit Tracker is a wonderful app that lets you set up to ten goals free, set milestones and end dates for the hardest habits to break, as well as holding you accountable with notifications throughout the day.

If you’re not sure where to look, go to appcrawlr.com, search for the general app subject, choose your operating device, and it will use its search engine to find an app that will work best for you.  Whatever your resolution, there is probably a device application that can help you be a better you.

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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